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| *Loan,banking and credit>>>credit repair |
How do I repair my poor credit rating? |
How do I repair my poor credit rating? Pay off your debt, if you already have it.. and if you use a card, pay off the balance every month. Pay your Debts!!! call a credit counseling service and have them negotiate your debt so that you can manage the payments in a timely way. apply for a secured credit card and keep up on it. Pay your bills on time, pay credit cards down (or off, better yet) & always pay more than the minimum payment, and don't keep high credit limits (even if your cards are not maxed out, it will look bad if you have alot of available credit because then you have the ability to go into a large amount of debt. get a copy of your credit report and pay off all the debts, call a credit consolidation agency they really help, aplly for new credit cards and use them wisely and often to build credit. I recently joined a "debt relief" program where the company works with you and your credit cards, etc. YOU actually pay your own bills, thru this program, but the debt people work with the credit card companies to come to "settlements". The companies, in turn, agree to settle (you owing less) and as each card is paid off, your personal credit is repaired. You'll also need to file a specail tax return form out, to cover yourself from owing taxes on the money that was dropped from the settlement. Everything is on the "up and up". Look into different places to see which debt relief program is best for you. They're all different and depending on your personal needs. Just type in "debt releif" to your browser and see what comes up. That's what I did. Give it a try - I'm VERY glad I did. I'm much happier, can afford my monthly payment, will be debt-free in three years AND repairing my credit. Hey, GOOD LUCK!!!!! If you have debt pay it off if possible. Go to Consumer Credit Counceling they will help you.If you need to cosolidate take to creditors on what you can do. When applying for a credit cardmake sure you put down why (to restablish credit). Be responsible. |
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